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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,735 | $88,137-28.8% | $164,975-62.0% | $74,429-15.7% |
| Participation rate | 56.3% | 73.1%-16.8pp | 78.6%-22.3pp | 67.2%-10.9pp |
| Annual return | 24.32% | 17.13%+7.2pp | 70.12%-45.8pp | 1368.38%-1344.1pp |
| Employer contribution / active EE | $355 | $2,597-86.3% | $4,343-91.8% | $2,625-86.5% |
| Participant deferral / active EE | $2,393 | $4,501-46.8% | $6,033-60.3% | $4,348-45.0% |
| Admin fee / account holder | $5,616 | $2,231+151.7% | $12,688-55.7% | $1,944+188.8% |